ABRANTES, M. G. T. O.; ABRANTES, Maria Geuslândia Teodoro de Oliveira.
Résumé:
Over the past 10 years, Brazil has suffered a series of changes in its financial system
and in this historical context and economic, financial institutions in general, and
especially the bank, gets much of its profits by lending to individuals and legal.
Because of incentive policies for credit, rates are increasingly attractive and longer
terms. Thus, to evaluate a credit institution must meet an internal policy, which
establishes the percentage of interest, terms, guarantees and the degree of risk
inherent in the operation. Thus, this study aimed to evaluate the operation in Banco do
Brasil S/A. For this, the research was classified as descriptive, explanatory literature
and documents. It is the portal of the Banco do Brasil, several lines of credits offered to
individuals available to its customers, including: payroll loans, personal loans, credit
auto, credit benefit, CDC salary overdraft function credit, vehicle loans, mortgages,
micro entrepreneur, 13º salary credit, and CDC anticipation IRPF. Given the above, it is
observed the funding provided by the individual BB is growing every year, attracting
new applicants, as well as new services offered. This outcome is important to the
economic development of the country as well as the community in which such agencies
are inserted, since they will provide loans with low interest rates and easy payment.
